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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $187,005 | $144,130+29.7% | $117,861+58.7% | $147,586+26.7% |
| Participation rate | 42.9% | 83.4%-40.6pp | 79.7%-36.8pp | 82.8%-40.0pp |
| Annual return | 12.00% | 531.20%-519.2pp | 335.11%-323.1pp | 578.59%-566.6pp |
| Employer contribution / active EE | $1,506 | $4,897-69.2% | $3,786-60.2% | $4,876-69.1% |
| Participant deferral / active EE | $2,180 | $5,316-59.0% | $4,482-51.4% | $5,439-59.9% |
| Admin fee / account holder | $48,696 | $10,887+347.3% | $8,021+507.1% | $10,886+347.3% |